Here in the UK we have had companies like Curve for many years! who offer rewards on payments made with any of the cards you add to your account, you can also go back in-time and switch past payments from the card you originally used! to any other of your cards, VIP airport lounge access, metal physical card, etc etc. 99.9% of UK banks have instant transfers between people, with one of mine even detecting people next to me in person, so we can transfer money without even exchanging bank details.. I think Apple Card/Cash has zero value here in the UK, and Apple know this. There are way too many other fintech companies here in UK and Europe to compete with. Apple Card would at most just be a status/branding thing. Google “Curve card” or “Starling Bank”, Starling allow you to create 5 virtual debit cards, where you can move X amount to that card! Then delete after purchase (online only). Then make 5 more the next week! No limit on max amount allowed. Also have Euro accounts, Business accounts all in same app where I can switch between and instant transfer between work and personal etc. These features for me at least, are worth way more than what Apple Card would offer. Just saying. EDIT, the latter also offer physical cards for kids, and a separate “connected card” with a 200 pound max balance at any one time, which can only be used in person, for cases if you need someone to purchase groceries or whatever. Also 24/7 support via app. And loads of plug-ins that can even help doing your tax returns. (Do not work for either btw! Just commenting here, as Apple offer non of these basic services).